Loans to sailors
Advantages of the loan:
- loan period — 12 months (fixed);
- from UAH 5,000 up to UAH 500,000;
- repayment of the principal starts from the 3rd month of use of the credit funds;
- repayment of the monthly comisson 2.5% frm the 2nd month;
- without insurance costs.
from UAH 5,000 up to UAH 500,000 (Pivdenny Bank offers loans from UAH 5,000 up to UAH 500,000 to existing clients and from UAH 5,000 up to UAH 150,000 to new clients)
without extra expenses
15 % per year
2.5 % from the 2nd calendar month
no collateral if the seaman receives payment under the contract on the account in Pivdenny Bank more than 6 months; otherwise - the guarantee of an individual
Specific features of the loan
This offer is extended to sailors - resident of Ukraine with a total sea going record starting at 6 months and receiving income on contract to their accounts or to accounts of family members or relatives opened in a Ukrainian bank within the scope of the “Sailors” programme.
Borrower’s age — from 21 years. Maximum borrower’s age on full repayment of the loan – 65 years.
The Borrower has the right to repay the consumer loan in full or in part at any time, including by increasing the amount of periodic payments, without any additional fee associated with early repayment. In the event of early repayment of a consumer loan, the borrower pays the lender interest on the loan and the cost of all services related to servicing and repayment of the loan for the period of actual use of the loan.
The Client has the right to withdraw from a particular Application Service Provision Agreement (if required by applicable legislation of Ukraine) and terminate this Agreement and close accounts on the basis of a written application (except when early closure/refusal/termination of the agreement is prohibited by law), provided that there are no outstanding debts or valid Application-Agreements/Agreements at the Bank, and all PCs have been returned at the request of the Bank, including those issued to the Client's proxies. This Agreement is considered terminated on the day of account closure and full fulfilment of obligations under this Agreement.
The Borrower has the right within 14 (Fourteen) calendar days from the date of conclusion of the Loan Agreement to withdraw from the Loan Agreement for any reason or no reason on the basis of a written application in the manner prescribed by Art. 15 of the Law of Ukraine on Consumer Lending.
The Borrower does not have the right to withdraw from the Loan Agreement if at the time of the Borrower's withdrawal from the Loan Agreement, the purchase of works (services) provided for by the Loan Agreement has already taken place.
- Ukrainian passport (passport of the borrower and husband/wife/guarantor);
- taxpayer ID number (ID number of the borrower and husband/wife/guarantor);
- marriage/divorce certificate (if any).
- certificate/passport of the sailor and/or sailor's seagoing service record book.
Additional documents required for new clients of Pivdenny Bank:
- statement of income under contract from an account in a Ukrainian bank during the past 12 months;
- for guarantors — a document proving receipt of income.
Details of the terms and conditions of the loan agreement are set forth in the “Documents” section.